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Our Award Winning Home Loan

Whether you’re looking to purchase a new home, refinance or invest, our award winning Low Cost Home Loan has a ripper rate, $0 bank fees and a great range of features & benefits.

Select your preferences to view rates:


  • Owner Occupied
  • Investment


  • $150,000 and above


  • 20% or more
  • At least 10% but less than 20%
  • Less than 10%

4.29% pa

4.29% pa

3.99% pa

3.99% pa

3.89% pa

3.89% pa

4.94% pa

4.94% pa

4.64% pa

4.64% pa

4.54% pa

4.54% pa

Interest Rate^

Comparison Rate#

Bank of the year Home Loan Package First Home Buyer Canstar Variable Canstar Construction

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Features & Benefits

  • $0 bank fees
  • Free 100% offset account
  • Instant redraw available from within Online Banking
  • Unlimited extra repayments at no cost - pay your loan off sooner!
  • Repayment holidays - when your repayments are in advance1
  • $100 free monthly transaction allowance3
  • 10% discount on Allianz Home and Contents Insurance2
  • A complimentary meeting with one of our financial planners4

A Big 4 home loan would've cost you thousands more

Comparing home loans can be a time-consuming process so we’ve engaged the help of MOZO to crunch the numbers on your behalf. The graph below shows what you would have saved over the past 2 years*.

Loan size: $500,000 Owner Occupier loan with a 30 year term


  View all Owner Occupied interest rates
Loans $150,000 and above Interest Rate^ Comparison Rate#
20% deposit or more 3.89% pa 3.89% pa
At least 10% but less than 20% deposit 3.99% pa 3.99% pa
Less than 10% deposit 4.29% pa 4.29% pa
  View all Investment interest rates
Loans $150,000 and above Interest Rate^ Comparison Rate#
20% deposit or more 4.54% pa 4.54% pa
At least 10% but less than 20% deposit 4.64% pa 4.64% pa
Less than 10% deposit 4.94% pa 4.94% pa


Calculate your repayments


  Documents & Forms
  Important Information

Loans are subject to approval. Normal lending criteria and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

^Available for new home loans over $150,000 for applications received from 19 October 2017. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time.

1. Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.

2. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL 234 708. Qudos Bank acts as an agent for Allianz not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the relevant Product Disclosure Statement and Financial Services Guide before deciding whether to acquire any product mentioned. A PDS is available by calling 1300 747 747. We receive commission on these insurance products as a percentage of the premium paid for each policy. Ask us for more details. Discount applies to first year's premium. No other discounts apply. The discount may be subject to rounding.

3. $100 free monthly transaction allowance for savings accounts within the same membership, based on total loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

4. All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367.

#WARNING: This comparison rate applies to the example or the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000, monthly repayment frequency and a term of 25 years. Loan and deposit balances of $50,000 or more. The allowance will reduce if total balances fall below $50,000.

*Source of analysis and competitor data provided by Table shows selected products (NAB Choice Package, ANZ Breakfree Package, CBA Wealth Package and Westpac Premier Advantage Package) compared against Qudos Bank’s Low Cost Home Loan. Other products may be cheaper. Savings based on historical data over 2 years to 31 March 2017. Rates are variable and future savings are not guaranteed.

Before opening this home loan with us, you should read our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 19 October 2017.




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